I finally recieved my TU report today with NCO gone,huge relief...No more negs. There's a reason code I never seen befor, "Factor 3:Not enough retail debt experience: Retail accounts with low credit limits have a negative impact on your credit score" Freakin Sears,my only retail card. They just think of everything don't they.
"EXCESSIVE INCOME" "TIME SINCE NEWEST MORTGAGE TOO LONG"~~~13 INTO A 30!!! "EXCESSIVE TIME SINCE NEWEST INQUIRY" "EXCESSIVE TIME SINCE NEWEST ACCOUNT"~~~LIKE YOU HAVEN'T APPLIED FOR ANY NEW CREDIT IN A WHILE!!! It goes on and on...
Congrats Kinetix! I long for the day... One left on each report. Indications that two of them should fall of shortly. So close I can taste it.
Thnx, I wish you can feel what I feel today....Last neg was a real sole lifter for me, score was 677 on TU, with NCO gone it jumped to 790. Hope this gives you some fighting strength, hang in there it's all worth it. GoodLuck to ya.
I used to get that message about the retail cards and then I got a Target Retail Card. I had a $37 balance and then I got a message about the balance on retail cards too high...lol. In fact, that message was also there when I had a zero balance. They are really clueless! L
I have 2 store cards SEARS and WAL*MART...I MAXED WAL*MART because of 0.00% offer and got that message also...RETAIL (STORE) CARDS TOO HIGH...although I was under 30%!!!
Hehe, someone must be really bored to write these reason codes. Can you sue for frivalous reason codes,when they send you one of those frivalous dispute letters heh.
